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Protect Your Manufactured Home in Tyler, TX.

Covertree’s Comprehensive Guide.

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The data in the Covertree Resources section is from publicly available sources last updated in December 2022. We provide source links for verification. However, we can't guarantee accuracy. Rely on this data at your own discretion. For specific advice, consult professionals.

A Guide to Mobile Home Insurance in Tyler, TX: Costs, Coverage, and Considerations

Welcome to Tyler, Texas -the “Rose Capital of America,” a city where the sweet fragrance of thousands of roses fills the air, whispering tales of growth, beauty, and community spirit. Here, the ancient whispers of pine forests mingle with vibrant blooms, painting a landscape that resonates with harmony and grace.

As you traverse the bustling streets of Tyler, let the warm southern hospitality embrace you, as neighbors become friends and stories intertwine, weaving a rich tapestry of collective history and future promise. Witness the stunning array of colors at the Tyler Rose Garden, the nation's largest rose garden, where more than 38,000 rose bushes bloom in spectacular splendor, symbolizing the city’s resilience and flourishing charm.

Yet, beyond the allure of its famed flora, Tyler's roots reach deep into the annals of Texan and American history. Stroll through the historic brick streets of downtown Tyler, where 19th-century architecture tells stories of time-honored traditions, entrepreneurial spirit, and cultural heritage. Visit the Goodman-LeGrand House and Museum, a historical landmark, to journey back to the Civil War era and explore the rich lineage of the region.

Amidst the echoes of history, embark on an adventure through the Piney Woods of East Texas that cradle Tyler in natural splendor. The Tyler State Park, a haven of tranquility and scenic beauty, invites you to hike trails adorned with towering pines, where whispers of wind carry legends of ancient Native American tribes and early settlers. On the shimmering waters of the park’s spring-fed lake, find solace in the gentle lap of waves, reflecting the azure Texas skies.

In Tyler, modern vibrancy blossoms alongside historical and natural grandeur. Explore the burgeoning arts and culture scene, where galleries, theaters, and museums abound, showcasing the creative pulse of the city. Immerse yourself in the harmonious strains of the East Texas Symphony Orchestra, as melodies soar, weaving a musical embrace that unites and uplifts. Delight in the diverse flavors of Tyler’s culinary landscape, where southern classics meet innovative gastronomy. Relish the warmth of hearty Texas barbecues, the spice of authentic Mexican dishes, and the fresh bounty of farm-to-table fare, a delectable testament to the city’s agricultural roots and multicultural influences.

Embrace the multifaceted allure of Tyler, where roses bloom as symbols of enduring beauty, resilience, and community spirit. Let the city's diverse tapestry unfold before you, inviting exploration, connection, and cherished memories amidst the blooms of the renowned Rose City. Welcome to Tyler, a Texas gem where the past, present, and future blossom in harmonious unison, cradling every visitor in a fragrant embrace of history, nature, and boundless southern hospitality.

Understanding Mobile Home Insurance in Texas.

Do I Need Mobile Home Insurance in Texas?

Texas Mobile Home Insurance Costs Explained

Mobile home insurance is essential for safeguarding your most valuable asset. Prices in Texas typically range from $250 to $1,300 annually, influenced by various factors. Deciding between actual cash value and replacement cost coverage will also impact both premiums and compensation amounts in case of a claim.

Insurance rates are influenced by:

* e.g. A five-year-old home bought for $50,000 but now worth $35,000 will be compensated at $35,000.
** Typically has higher premiums but offers more compensation during a claim.

Unique Considerations for Texas Mobile Home Insurance

Mobile Home Insurance Coverage in Texas:

Filing a Mobile Home Insurance Claim in Texas:

Tips for Purchasing Mobile Home Insurance in Texas:

Remember, while insurance might seem optional, it provides invaluable peace of mind against potential financial setbacks.

Choosing the Ideal Texas Homeowners Insurance Policy:

The apt insurance policy largely hinges on your home type, repair or rebuilding costs, and the worth of your belongings. It's often a smart move to opt for the most robust protection within your budget. This is especially true if you haven't set aside a significant emergency fund. Though a comprehensive policy with a lower deductible might require higher premiums, it ensures quick recovery after a substantial loss.

As your savings grow, you might consider increasing your deductible to decrease your premium. But here's a pro tip: sometimes, a $1,000 deductible isn't much pricier than a $5,000 one. In such instances, the minimal extra expense can prove invaluable in the event of a large claim.

The location of your mobile home, particularly the zip code in Texas, is a significant factor.

Did You Know?

Mobile homes in Texas are subject to the Mobile Home Commission Act.

You Need: The HO-7: Texas Mobile Home Form

What Does an HO-7 Policy Cover?

Type of Homes: Mobile or manufactured homes (trailers, single/double-wide mobile homes, RVs, modular homes, etc.).

Open perils, covering almost everything unless specifically excluded.
Named perils, only covers for specific causes of loss listed on the policy.
Coverage is based on replacement cost, not the market rate.
Coverage for named perils only. Examples of named perils: lightning, hail, fire, theft, vandalism, explosions, water damage from plumbing, etc.
Sub-limits for certain valuables (e.g., jewelry, firearms, electronics). Jewelry: $1,500 (theft-only) Firearms: $2,500 Electronics: Varies
Protection against bodily injuries or property damage you’re found liable for.
Covers expenses if the mobile home becomes uninhabitable.
Covers medical expenses for injuries in the mobile home (surgery, ambulance fees, X-rays, etc.).

What Does an HO-7 Policy NOT Cover?

Personal property damage that doesn't fit the named perils.

Exclusions include:

Understand The HO-3: Texas Special Form

The HO-3 policy is the predominant homeowners insurance in Texas. It offers open-peril coverage for homes and related structures, covering all damages unless specifically excluded.

Exclusions typically include:

Personal property, however, is only covered for specified risks.

Additional Insurance Policy Options:

Even if you’ve chosen the HO-7 or another base form for your policy, you might still want to contemplate additional coverage for specific scenarios. Here are some prevalent options:

This is a basic policy, covering only named perils. It offers actual cash value instead of replacement cost coverage. Designed mainly for vacant properties or standalone structures, all occupancy types can avail of this policy. However, for liability or personal property coverage, you’ll have to incorporate these features.
Also termed a landlord’s policy, the DP-3 is tailored for rental properties. It covers the property’s structure, provides liability coverage for accidents, and even ensures your rental income in case your tenants need to vacate due to a covered loss.
An essential policy if someone incurs severe injuries on your property with damages soaring above $1 million. This policy offers extra liability coverage exceeding the limits of a standard homeowner’s insurance policy. You would need a substantial underlying coverage to qualify.
For those treasured high-value possessions, like jewelry or electronics, a scheduled coverage is necessary. This is because typical personal property coverage under your dwelling policy has limits on payout for such items.
This coverage is your safeguard against costly damages arising from sump pump failures or sewer backups. Without this endorsement, such water damages won’t be covered.
Fires, floods, and other disasters can strike at any time, and these events usually occur when you least expect them. Unless you have the funds to make the needed repairs, you could be stuck without a home. Starting from scratch can be almost impossible. Insurance is a life-saving necessity for you and your family.

Even though you don't want to think about possible disasters, it's vital for everyone to understand their possible risks so that they can prepare for the unthinkable. With an effective insurance plan, you can live worry-free of losing your items or home.

Choosing the Right Mobile Home Insurance for Tyler, TX.

Weather Risks:

Tornado Risk in Tyler, TX:

Description: Tyler, TX has a high Tornado Index value of 290.34, indicating a significant risk of tornado events. A warning was in effect, highlighting the urgency for the residents to seek immediate shelter and be prepared for a tornado.

Potential Impacts: Extensive damage to buildings, vehicles, and infrastructure. Possibility of injuries or loss of life if adequate precautions are not taken.

Implications for Mobile/Manufactured Home and RV Owners: Owners of these properties are advised to: Seek immediate shelter in a sturdy building during a tornado warning. Ensure they have a well-prepared emergency plan and kit. Continuously monitor local media for updates and follow all advisories and warnings.

Flood Risk in Tyler, TX:

Description: With 2,850 properties at risk and a history of 352 flood events, Tyler faces a moderate flood risk, potentially cutting off access to utilities, emergency services, and transportation.

Potential Impacts: Damage to properties, especially those in flood-prone areas. Interruption of essential services and potential evacuation scenarios.

Implications for Mobile/Manufactured Home and RV Owners: These property owners should: Evaluate the flood risk for their property and consider flood insurance. Be prepared for evacuation and have a plan for such scenarios. Ensure their properties are adequately secured against flood damage.

Other Weather Extremes in Tyler, TX:

Description: Tyler is prone to various other weather extremes including hail, heat, ice storms, and thunderstorm winds, with significant recorded events in the past.

Potential Impacts: Damage from hail, high winds, and other severe weather conditions. Potential for injury and further property damage.

Implications for Mobile/Manufactured Home and RV Owners: Owners are advised to: Reinforce their properties to withstand diverse weather extremes. Stay informed about the weather forecasts and warnings. Take proactive measures for safety and protection against all severe weather conditions.

In light of these risks, all residents, especially mobile and manufactured home owners and RV owners, in Tyler, TX should prioritize preparedness. This includes creating and regularly updating emergency preparedness plans, adhering to all weather warnings and advisories, and making necessary modifications to their properties to minimize weather-related damage. Adequate insurance coverage for various weather-related damages is also crucial to ensure financial protection.

Recommended Neighborhoods in Tyler, TX.

Property Crime Rates in Tyler, TX.


General Crime Rate: High in the national ranking with a rate of 31 per one thousand residents.
Chance of Becoming a Victim:
Overall: 1 in 32
Violent Crime: 1 in 222
Property Crime: 1 in 38
Comparison with Similar Communities: Tyler stands out with a higher crime rate compared to similar-sized communities.
Violent Crime:
Occurs at a rate higher than most communities in America. Includes armed robbery, aggravated assault, rape, or murder.
Property Crime: Highly prevalent. Includes burglary, larceny, motor vehicle theft, and arson.

Recommendations for Mobile and RV Owners:

Invest in Security: Implement robust security systems for mobile homes and RVs. Use high-quality locks and consider security cameras.
Secure Locations for Parking: Choose well-lit, secure, and monitored parking areas for RVs. Engage with local communities to understand safer zones.
Be Alert and Informed: Keep abreast of local news and updates about crime in the area. Join community forums or groups for timely information.
Work with Local Authorities: Communicate with local law enforcement about security concerns and seek guidance. Report any suspicious activity promptly.
Insurance Coverage: Ensure comprehensive insurance coverage for mobile homes and RVs to mitigate financial losses.

Choice of 6 insurance coverage in Tyler, TX.

Business Property:

What it is: Covers damages from incidents within the homeowner's control, like fires from a grill or accidents from DIY projects.

Why it's needed: Accidents can happen, even if the homeowner is careful. This coverage provides an extra layer of protection against self-inflicted damages.

Loss Assessment:

What it is: Offers coverage for your share of damages or injury awards levied by homeowner associations.

Why it's needed: Homeowners in association communities may be held financially responsible for shared property damage or injuries. This protects against such assessments.

Replacement Cost:

What it is: Compensates the homeowner for the full, current cost of replacing damaged property without factoring in depreciation.

Why it's needed: Ensures that in the event of a loss, the homeowner can replace items without incurring out-of-pocket expenses due to depreciation.

Additional Living Expenses:

What it is: Covers living costs if a homeowner must temporarily relocate due to a covered loss.

Why it's needed: After certain disasters, living in one's home may become untenable. This helps cover the costs of alternative accommodations.

Debris Removal:

What it is: Pays for clearing debris post a covered loss.

Why it's needed: Removal can be expensive and is often essential before repairs commence.

Equipment Breakdown:

What it is: Coverage for the cost of repairing or replacing household appliances after mechanical or electrical failures.

Why it's needed: Household appliances are essential and can be expensive to repair or replace. This coverage minimizes those costs.

Did You Know?

Individuals living in manufactured home communities, who typically buy their manufactured home and rent the lot, are subject to different laws. However, if you live in a mobile home outside these communities, you're governed by the same laws as house or apartment renters, primarily found in Chapter 92 of the Texas Property Statutes.

Mobile Home Facts : Texas

Treatment of Manufactured Home as Real Property:

According to the Texas Underwriting Manual TX: 12.24:

Learn about the TMHA!

The Texas Manufactured Housing Association's core mission is to champion the broader objectives and concerns of the manufactured housing sector across Texas.

Consisting of devoted professionals, TMHA actively advocates for their members and the broader Texas manufactured housing community, especially through dedicated representation in the Texas Legislature. Being a member-driven association, their main emphasis is on equipping their extensive network of over 1,400 members with vital resources and insights to thrive in their businesses.

If you're part of the manufactured housing sector and haven't yet joined TMHA, we highly recommend you do so immediately!

Learn about Texas Homeowner Assistance: Two Vital Programs

Texas residents who are struggling with home-related expenses have two vital assistance programs available: the Texas Homeowner Assistance Program due to the COVID-19 pandemic and the Homeowner Assistance Program (HAP) following Hurricane Harvey.

Treatment of Manufactured Home as Real Property:

Purpose: Support homeowners impacted by Hurricane Harvey to repair, rebuild, and enhance their homes.

Services Offered: Financial support for affected homeowners.

Homeowner Assistance Program (HAP):

Purpose: Support homeowners impacted by Hurricane Harvey to repair, rebuild, and enhance their homes.

Services Offered: Home repairs and rehabilitation I Home reconstruction I Enhancements for better resilience against natural disasters I Elevating homes above flood levels along with reconstruction aid I Temporary relocation aid

Residents are encouraged to assess their eligibility and take advantage of these programs to secure and improve their homes.

Texas Coastal Property Insurance Pool Programs

The Texas Coastal Insurance Pool (TCIP), formerly known as the Texas Windstorm Insurance Association (TWIA), is a vital insurance entity designed to protect homeowners in the Texas coastal regions. Established in the face of limited private insurance options, the TCIP provides wind and hail coverage to properties located in certain parts of Texas's seacoast territory.

Key Features:

Primarily, the TCIP offers windstorm and hail damage insurance for homeowners who might not find coverage in the private market due to the heightened risk associated with coastal regions.
Residential and commercial properties in the 14 coastal counties and certain parts of Harris County (east of Highway 146) are eligible. However, to qualify, properties must comply with the windstorm building code for the region.
While the TCIP operates similarly to a typical insurance company, it is different in its financial structure. In the case of significant catastrophic losses, the association has the ability to recoup losses through premium surcharges or bonds, ensuring continuity of coverage for its policyholders.
With the growing threat of hurricanes and tropical storms in the Texas coastal regions, the TCIP plays a pivotal role in ensuring that homeowners can obtain the necessary insurance protection against these natural disasters.


Inland of the Intracoastal Canal $2.50 per $100 coverage 42 Effective October 1, 2008 Seaward of the Intracoastal Canal $5.00 per $100 coverage

Eligibility for TWIA:

A mobile home located in a designated catastrophe area that meets the following criteria is eligible to be insured under the T.W.I.A. Dwelling Policy with Form No. TWIA-411, Conversion to TWIA Manufactured Home Policy attached to the policy.

The mobile home complies with the definition of manufactured home under the rules and regulations of the Texas Department of Housing and Community Affairs (TDHCA).
The mobile home is occupied solely as a one or two family residence.
The mobile home is blocked and tied down in accordance with the current state generic standards promulgated by the TDHCA or with the manufacturer’s installation instructions.

The mobile home has been inspected, and an inspection approval form has been completed and issued verifying that the home is blocked and tied down in accordance with the required standards with no violations of these standards. The form may be on file with the TDHCA. If a form is not on file with the TDHCA or the form is over five years old, a new inspection approval form that indicates no violations of the blocking and tie down requirements must be obtained through an installer licensed by the TDHCA. 41 Effective October 1, 2008

Homes manufactured on and after September 1, 1997, must be designated by the manufacturer as Zone II homes to be insurable through the Association.

Additions to Mobile Homes:

Limit of Liability:

The maximum limit of liability for a mobile home, including any site-built additions attached to the home, and household goods is $84,000.


Policy Forms & Endorsements:

The following policy form is to be used: T.W.I.A. Dwelling Policy with Form No. TWIA-411, Conversion to TWIA Manufactured Home Policy attached to the policy

Important Endorsements in Texas:

What it is: Provides coverage that a manufactured housing unit has been affixed to the land, has been converted to real property and that there are no personal property taxes or personal property liens attached to the MHU.

Why it’s needed: This endorsement is issued in conjunction with a T-2 Loan Policy to insure a manufactured housing unit located on the land. Manufactured housing includes mobile homes and other manufactured housing permanently attached to the land as a fixture.

What it is: An addition or modification to a standard insurance policy that provides coverage for damages caused by sinkholes. A sinkhole is a depression or hole in the ground caused by the collapse of a surface layer, often due to the dissolution of limestone or other soluble rocks below the surface. When it occurs under a property, it can cause significant damage or total loss of the structure.

Why it's needed: Not all standard homeowners' insurance policies cover damage caused by sinkholes. In areas prone to sinkhole activity, this endorsement is crucial. A sinkhole can render a home uninhabitable, and without this coverage, homeowners could face substantial financial losses. By adding this endorsement, homeowners are protecting their investment and ensuring they won't be left without resources to repair or rebuild in the event of a sinkhole disaster.

Sudden and Accidental Discharge, Eruption, Overflow or Release of Water or Steam:

What it is: This endorsement provides coverage for damage caused by the unexpected and unintentional release of water or steam from plumbing, heating, air conditioning, or automatic fire protective systems within the mobile home.

Why it's needed: Mobile homes, like any other residential structure, are vulnerable to unforeseen internal water or steam damage, which can be costly to repair. Such incidents might include a burst pipe, malfunctioning water heater, or broken appliance hose. By adding this endorsement to their insurance policy, mobile homeowners can protect themselves financially from the damages and repair costs resulting from these sudden and unexpected events.

Additional Policy Riders for Mobile Home Insurance in Texas:

Adding policy options to a basic insurance plan is a common practice in the mobile home insurance industry. While the events covered in mobile home policies are similar across all states, additional coverage options, known as add-ons, endorsements, and riders, may vary depending on your location and insurance provider. Each of these options comes at an additional cost that can be customized according to your needs.

Provides protection against flood-related damages, excluding waterline or sewer backups. Average annual cost: $700.
The mobile home is occupied solely as a one or two family residence.

defends against damages when drains, pipes, or sewers back up, but not from floods.  Annual cost range: $50-$250.

helps homeowners meet current building codes during repairs or reconstruction, ensuring updates to older homes meet modern standards. Costs: Anywhere between 10% to 25% of dwelling coverage.
offers specialized coverage for high-value items like jewelry or art.
is for home-based businesses, ensuring business property stored at home is covered. Costs vary based on asset value.

aids in managing identity theft-related expenses, from legal fees to credit monitoring. Annual cost range: $20-$60.

Adding any rider will increase your premiums, influenced by location, risk profile, chosen coverage, and deductible. Riders can be added during initial policy purchase, at renewal, or anytime during the policy period. Some carriers might not offer all endorsements, so shopping around might be necessary.

Finding A Manufactured Home or Mobile Home Community in Tyler, TX

If you're in the market for a mobile or manufactured home in Tyler, it's important to have access to reliable and trustworthy information. We have compiled valuable information about the best local manufactured home dealers and communities in Tyler.

Glascow Trails Community

Located in Tyler, Texas.
Offers a country atmosphere with city conveniences.
Close to major shopping, hospitals, colleges, and attractions.
Features a swimming pool, playground, picnic, and BBQ area.
Provides free Dish Fiber Internet with a cable package.
Gated manufactured housing community.
Conveniently situated near Lake Tyler, Caldwell Zoo, Azalea Trails, and Tyler State Park.

Rose Country Estates Community

Located in Tyler, Texas, off Highway 69.
Offers local conveniences including restaurants, grocery stores, and entertainment.
Community amenities include an outdoor swimming pool, playground, and clubhouse.
Residents enjoy planned activities and events throughout the year.
Address: 3400 N NE Loop 323, Tyler, TX 75708.
Various homes available for rent.

S.E.T. Real Estate

Specializes in East Texas real estate, covering Tyler, Longview, Bullard, and more.
Sissy, a Realtor with prior experience as a Landman, leads the team.
Expertise in residential, luxury, and commercial real estate.
Attention to detail in every transaction. Offers services for buying and selling homes.
Contact Information: Email: Phone Number: (903) 218-0585 Address: 5028 Old Bullard Road, Tyler, TX 75703.

These are just a few of the best local and national manufactured home retailers, manufacturers, dealers, and communities in Tyler, TX. When choosing a manufactured home, it's essential to do your research and find a reputable provider that meets your needs and budget.

Finding the Best Mobile Home Insurance in Tyler, TX

It's essential to compare quotes from various insurance providers and work with local agencies that understand Tyler's specific risks. You also need to be vocal about being able to customize your policy to cover specific needs like monsoon or dust storm damages. Always remember to ask about any available discounts that you may be eligible for!

These are some things you should look out for in an insurance plan for Tyler:

Reasoning: Tyler is located in the Piney Woods region, which can experience flooding. This endorsement offers specific flood protection for mobile homes in this area.

Reasoning: Tyler is famous for its Rose Garden and hosts events. This coverage provides specialized protection for your RV and belongings when attending events at the Rose Garden.

Reasoning: Improving insulation in your mobile home can lower energy costs. This endorsement provides protection for the installation of energy-efficient insulation.

Reasoning: Tyler has an arts district. This endorsement offers discounts for mobile homes located within or near this district.

Reasoning: Texas can experience tornadoes. This coverage provides protection for your RV and belongings in case of tornado-related damages while in RV parks.

Reasoning: If you visit the Tyler Zoo Park frequently, this coverage offers protection for your RV while parked at this specific park.

Now that you've got the lowdown on mobile home insurance coverage in Tyler TX, don't hesitate to get a CoverTree quote now.